In Mobile, Property Damage Liability and Bodily Injury are important insurance coverages to know. By law, most states require drivers to maintain a minimum amount of BI and PDL. When you're at-fault for a car accident, your Bodily Injury helps pay for the other drivers and passengers medical expenses. It doesn't help pay for yours. Property Damage Liability, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. This typically involves damage to another person’s car, but it could also include damage to a home, mailbox, fence, street sign, or guardrail.
You'll need your Property Damage Liability coverage if you're responsible for causing damage to another person's property. It does not cover damage to your own vehicle that might be caused by the same accident. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll walk you through the ins-and-outs of other important coverages like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Property Damage Liability in Mobile? The answer depends on a few factors. You could get Alabama's minimum Property Damage Liability limits as required by law, but you could also go with higher limits. Property Damage limits operate on a per accident basis. This is different than Bodily Injury Liability which operates on a per person/per accident basis. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. Selecting low limits could help you find cheap auto insurance, but it also means that you could be responsible for paying for the property damage you cause that your insurance doesn't cover. So, if the property damage you cause in an accident is more than your coverage limit, you could be required to make up the difference out of your own pocket.
It's time to get the protection you need at a price you love! Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Mobile. Property Damage Liability is only a click, call, or short drive away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, paying for Property Damage Coverage in Mobile is hassle-free with Direct Auto & Life!